Critical illness and total permanent disability underwriting limits

Flexible Protection Plan

Age next birthday	Tele-interview*	Paramedical screening report**	Cotinine***	Medical examination report	HIV	General practitioner's report	Full blood profile	Exercise electrocardio- gram
To age 40	£450,001	£600,001	£600,001	£750,001	£1m+	£600,001	£750,001	£1.5m+
41 - 45	£400,001	£500,001	£500,001	£650,001	£1m+	£500,001	£500,001	£1m+
46 - 50	£300,001	£500,001	£500,001	£650,001	£1m+	£400,001	£500,001	£1m+
51 - 55	£150,001	£200,001	£200,001	£400,001	£1m+	£200,001	£400,001****	£750,001
56 - 60	£100,001	£200,001	£200,001	£400,001	£1m+	£150,001	£400,001****	£750,001

* Tele-interview not required if paramedical screening report, or medical examination or general practitioners' report required
** Paramedical screening report not required if medical examination report required
*** Cotinine required for non-smokers only
**** Prostate Specific Antigen (PSA) included

	Simplified financial questionnaire	Full financial questionnaire	Independent evidence	Loan offer	Accounts
Personal	£500,001	£750,001	£1m+	£1m+	n/a
Business	n/a	£500,001	£1m+	£1.5m	£1,5m+